2011-11-09T11:09:56-06:00 2010-12-31 SANTI & ASSOCIATES PC 3970 OLD MILTON PKWY STE 200 ALPHARETTA GA 30005 990 2010-01-01 580147128 GEORGIA'S OWN CREDIT UNION GEOR 4048741166 PO BOX 105205 ATLANTA GA 30348 HAL F ALLEN 4048741166 2011-10-19 true ROGER A SANTI CPA 7706234440 2011-11-09 2010 2016-03-07 17:11:31Z 81706060 false X WWW.GEORGIASOWN.ORG X GA TO PROVIDE THRIFT SAVING/BORROWING TO MEMBER-OWNED COOPERATIVE. 12 11 401 1067916 -645157 0 77589822 80638144 0 918756 1067916 78508578 81706060 15000 15000 0 18226226 21676304 0 0 58961953 55143970 77203179 76835274 1305399 4870786 1518221119 1608491163 1357363841 1446215323 160857278 162275840 TO PROVIDE THRIFT SAVING/BORROWING TO MEMBER-OWNED COOPERATIVE. false false 75122201 15000 80638144 PROVIDED THRIFT SAVINGS/BORROWINGS TO 165,214 MEMBERS. 75122201 false false false false false false false false false true false false false true false true false false false false false false false false false false false true true false false false false false false false false false false false false false false false true 88 0 true 401 true true true false false false false false X 12 11 false false false false false true true true true false true false false true true true true true true true false GA X GEORGIA'S OWN CREDIT UNION 4048812158 P O BOX 105205 ATLANTA GA 30348 CHARLOTTE S AYERS 40.00 X X 3476924 0 7991 WILLIAM E CONINE X 6500 0 0 JOSEPH M MAURIELLO X X 6000 0 0 MICHAEL W BAUMGARTNER X 6000 0 0 PATRICK H CASEY X 6000 0 0 FRANCES D DOHERTY X 6000 0 0 JAMES L FOWLER X 6000 0 0 JOAN K SIMS X 6000 0 0 ERVIN M WALKER X 6000 0 0 JOHN B WHITE JR X X 6000 0 0 RICHARD E BURNS X 6000 0 0 C EDWARD HEATH X 6000 0 0 GARY M LUDGOOD X 6000 0 0 WILLIAM L CAVIN X 400 0 0 DENNIS W FOX X 400 0 0 DWIGHT AUSTION X 400 0 0 CHRIS GILMARTIN X 400 0 0 DAVE MAYER X 400 0 0 SARA H HARVEY 40.00 X 598954 0 7448 DAVID PRETER 40.00 X 441865 0 24592 J CAREW III 40.00 X 263328 0 24475 R SCOTT MCCALL 40.00 X 215824 0 26171 KELLY M GARMON 40.00 X 167146 0 20740 HAL F ALLEN 40.00 X 152706 0 61925 BONNIE J KIMMEY 40.00 X 144352 0 47696 KEITH A ECK 40.00 X 137491 0 32149 ERIC BROOME 40.00 X 136093 0 12827 RANDY W DAVIS 40.00 X 120367 0 4940 L NORRIS 40.00 X 112849 0 16446 K IGOU 40.00 X 108468 0 48102 TIMOTHY L THOMAS 40.00 X 106841 0 31557 JEFF COLE 40.00 X 103778 0 34279 6361486 401338 15 false true false DEWBERRY 1155 PEACHTREE RENT 531151 TRANSWESTERN CAMPANILE RENT 507967 SEAGARS GROUP LLC CONSTRUCTION 366979 MACEY WILENSKY KESSLER LEGAL 306539 REDUS CAMPANILE LLC RENT 192669 5 INTEREST ON LOANS 50772904 50772904 INTEREST ON INVESTMENTS 10069663 10069663 CHECKING INCOME 9442902 9442902 OTHER INCOME 3861387 3861387 VISA INTERCHANGE INCOME 2855405 2855405 3635883 3635883 80638144 MEMBERS FINANCIAL SERVICES 525990 710568 710568 WARRANTY SALES 525990 183117 183117 NON-MEMBER USE OF ATM 525990 174231 174231 1067916 81706060 80638144 1067916 15000 15000 6361486 6361486 9370526 8924366 446160 3180265 3180265 1595509 1531528 63981 1168518 1168518 5633232 5633232 160370 159629 741 248890 247746 1144 3038942 3016688 22254 7016214 6773984 242230 3741571 3617445 124126 17032673 17032673 1381480 1283935 97545 PROVISION FOR LOAN LOSSES 8529474 8529474 OTHER 6593069 5937082 655987 LOSS ON INVESTMENT 1707500 1707500 NCUSIF ASSESSMENTS 58905 58905 DONATIONS 1650 1650 76835274 75122201 1713073 0 108061146 162059445 777570743 946289978 1500000 1500000 30841438 27383259 22625965 7492135 14014756 15133830 568769361 438594836 17463675 17529815 1518221119 1608491163 1357363841 1446215323 1357363841 1446215323 X 133202529 133886257 27654749 28389583 160857278 162275840 1518221119 1608491163 4870786 -3452224 X false true true false false false false false false false false false false false 4923192 4923192 6923911 697749 6226162 1992126 1039465 952661 3776939 3036231 740708 5009797 2718690 2291107 15133830 MEMBERS' ACCTS - CKING, MMA, SAVINGS 776293293 MEMBERS' ACCTS - CERTIFICATES & IRAS 651856634 OTHER LIABILITIES 17986766 ACCRUED INTEREST PAYABLE 78630 1446215323 81706060 76835274 4870786 4870786 81706060 81706060 81706060 76835274 76835274 76835274 true SCHOLARSHIP 1 5000 SCHOLARSHIP 1 3000 SCHOLARSHIP 1 2000 SCHOLARSHIP 5 5000 X true true X X X X false false false CHARLOTTE S AYERS 3476924 7991 3484915 SARA H HARVEY 598954 7448 606402 DAVID PRETER 441865 15902 8690 466457 J CAREW III 263328 17301 7174 287803 R SCOTT MCCALL 215824 18724 7447 241995 KELLY M GARMON 167146 13763 6977 187886 HAL F ALLEN 152706 55116 6809 214631 BONNIE J KIMMEY 144352 41213 6483 192048 KEITH A ECK 137491 25530 6619 169640 K IGOU 108468 41562 6540 156570 ELECTION OF MEMBERS AND THEIR RIGHTS FORM 990, PAGE 6, PART VI, LINE 7A CURRENT MEMBERS MAY ELECT ONE OR MORE MEMBERS OF THE GOVERNING BODY. DECISIONS SUBJECT TO APPROVAL OF MEMBERS FORM 990, PAGE 6, PART VI, LINE 7B DECISIONS OF THE GOVERNING BODY ARE SUBJECT TO APPROVAL OF MEMBERS. THESE DECISIONS MAY ALSO BE SUBJECT TO SCRUTINY BY VARIOUS GOVERNMENTAL AGENCIES. POLICIES AND PROCEDURES GOVERNING CHAPTERS FORM 990, PAGE 6, PART VI, LINE 10B WRITTEN POLICIES ARE IN PLACE GOVERNING ACTIVITIES OF BRANCHES TO ENSURE THEIR OPERATIONS ARE CONSISTENT WITH THOSE OF THE ORGANIZATION. ORGANIZATION'S PROCESS USED TO REVIEW FORM 990 FORM 990, PAGE 6, PART VI, LINE 11B FORM 990 IS REVIEWED BY THE CREDIT UNION'S CHIEF FINANCIAL OFFICER AFTER BEING PREPARED BY THE CPA FIRM. ENFORCEMENT OF CONFLICTS POLICY FORM 990, PAGE 6, PART VI, LINE 12C CONFLICT OF INTEREST POLICY IS REGULARLY AND CONSISTENTLY MONITORED AND ENFORCED BY GOVERNING BODY. COMPENSATION PROCESS FOR TOP OFFICIAL FORM 990, PAGE 6, PART VI, LINE 15A COMPENSATION OF CEO, EXEC DIRECTOR AND TOP MANAGEMENT IS SUBJECT TO REVIEW AND APPROVAL PROCESS OF GOVERNING BODY. COMPENSATION PROCESS FOR OFFICERS FORM 990, PAGE 6, PART VI, LINE 15B COMPENSATION OF OFFICERS AND KEY EMPLOYEES IS SUBJECT TO REVIEW AND APPROVAL PROCESS OF GOVERNING BODY. GOVERNING DOCUMENTS DISCLOSURE EXPLANATION FORM 990, PAGE 6, PART VI, LINE 19 GOVERNING DOCUMENTS ARE MADE AVAILABLE TO MEMBERS UPON REQUEST.